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A well-made state exchange can help deliver lower costs for individuals and small businesses. Just as big businesses negotiate with insurers, using the bargaining power of their employees to push for lower premiums, so too can exchange enrollees benefit from a muscular exchange that negotiates on their behalf for better choices and lower costs.

The opportunity to create a state exchange will allow Michigan to increase competition and improve choices in our insurance market. However, to fully realize this opportunity, the exchange must be accountable to the public, and the individual and small business consumers who will buy their coverage through it.

Across the country, cash-strapped states are struggling to plug gaping holes in their budgets. At the same time, America’s roads and bridges are increasingly congested and in desperate need of repair. Enter global private infrastructure companies and their backers in the world of investment banking